Budgeting & bank accounts

Archives for July 2018

Nationwide online service down
Anyone else getting this message? Hopefully will be resolved soon..
Joint account and debt
My wives work colleague is separated from her husband. When they separated the joint account was 3k in credit. Now it is 6k in debt. The bank have told her they can not take her off of the account because of the debt. What is her best option and is the bank right in letting her get more in debt.
Paying in old coins and notes
I have come across yet more old pound coins and old ten pound notes. I know this has been discussed in the recent past, but wondered if the situation with paying these in has changed recently. General consensus last time was that you can usually pay them in to a bank account when you go to a bank that you're a customer of.…
Halifax Reward - reducing monthly reward
Halifax are reducing the monthly reward on their Reward current account from £3 to £2. We have the equivalent Bank of Scotland Reward account, however no word from them (so far) of a similar cut. Anybody seen official notification ?
Dixons Carphone data breach affected far more than first thought - MSE News
Dixons Carphone has said its data breach last year saw around 10 million records containing personal data accessed - far more than it first reported...Read the full story: 'Dixons Carphone data breach affected far more than first thought' Click reply below to discuss. If you haven’t already, join the forum to reply.
Quickest Savings Account to open?
Need to ‘section off’ some money and I wanted to open a kind of instant/e-savings account online and wondered if any of them can be used immediately or if you have to wait? I have several current accounts except with the Lloyds group. Any suggestions welcomed, cheers
Foreign Currency Bank Accounts Recommendations
Does anyone use a foreign currency bank account? I currently get paid in USD into my UK GBP bank account then I have to send money abroad. I get hit with charges and exchange rates every time I am paid and every time I send money abroad. Does anyone have a recommendation for a multi-currency account I can use to cut down…
TSB Android App uses external trackers
I run an ad blocker on my home network and it seems that the TSB Android banking app requires access to two external sites that are normally used for various devious tracking/logging purposes, namelytags.tiqcdn.com and csi.gstatic.com. With access to either of these blocked the app will not run. I would have thought that…
Irish Savings Account
Hi all, I was wondering if anyone could help me. I am Irish but have married and settled in the UK. My wife and I are looking to hopefully get onto the housing ladder in the next few months but are unsure of what steps to take next with our savings. We have been working in the UK for a few years and have been saving for a…
Moving DDs to another bank (outside a switch)
Hi, I wondered if anybody could advise me how to move my DDs with one of my bank accounts to another account I already have open with another bank. For instance if I have a couple of DDs in my HSBC account and I want to move them to my Nat West account in readiness for switching the Nat West account to M&S. TIA for any…
Old unprocessed cheque, legally obliged to reissue?
Hi all, not sure if this is the right sub. I recently found a cheque issued to my partner in 2014 for £91 that she never banked. It's from a letting agent and was the remainder of a deposit returned to her once she left. Obviously the cheque is too old to bank and I have emailed the company on her behalf asking them to…
Card declined, text from bank
Tried to pay the balance off for my holiday (2.5k) and the card got declined both times it was tried over the phone. I said I will ring back, and immediately got a text from Halifax asking to confirm its me making the transaction, and to reply with YES and wait 10 mins before trying to make the payment again. I did and it…
Rewards for referring
Hi I wonder if anyone can help? I know TSB used to offer a reward if you referred anyone to them, does anyone know if this is still the case (with TSB or elsewhere?) as my son is looking to open a new bank acc (not switch) with his flat mate for their monthly bills etc Many thanks BB
Don't be fooled by cunning con artists
I guess this is apt for the times - a July standard notification message in online banking from one of the majors - maybe sent to all customers or maybe to over 60s?: Personal: Don't be fooled by cunning con artists Fraudsters can "spoof" text messages and set up emails to make them look like they're from us. Never give…
Business v Personal Account
What is the difference between a business and personal account ? And if you use a personal account for business can the account be closed ? Thanks :D
No payment today
Amazon was due to pay me on 29th to my Lloyds bank account by bank transfer. Nothing in my account today. Will it go it tomorrow, if so what time? i need it ASAP.
Best budgeting apps
Hello, Can anyone recommend the best app to do my monthly budgeting via my iPhone? Ideally one that can split the bills between me and my partner. Thanks :j
Revolut asks for photo id, but refuses photo with id theft protection
I am not asking for legal advice (though I'd welcome it, obviously), but would be grateful for information from those who know the law better than I do, or who could point me in the right direction. Revolut (online bank) recently blocked my account for no reason (beyond the scope of this thread). I have quite a bit of…
TSB "system error" - do I owe money
I have a current account with RBS. Around the weekend of the TSB "system error" .. 31st April I was using by debit card as usual, a big shop, plus a few bits. I have five transactions that have never appeared on my statement .. totalling £122.43. Money I have spent but not paid. I expected it would catch up with me at some…
Transferring money from a Spanish bank to a UK one ?
Have any of you got experience of sending money from a Spanish bank to a UK bank please? I need to transfer about £100 from my Spanish bank Sabadell to my friends bank account in the UK, I would need to do this at various times throughout the year, if you wanted to do it the cheapest way possible, what way would you choose…

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MSE News

'Unfair' standing charges need to go: MPs back Martin's and MSE's calls for energy bill overhaul
Energy standing charges unfairly penalise households on lower incomes and those looking to cut their usage, a cross-party group of MPs have said in a new report published today.
NatWest and RBS to close at least 134 branches in 2023/24 – here's the full list, plus alternatives
The NatWest Group will shut at least 143 of its bank branches throughout 2023 and 2024 following its latest announcement.
Bank of Scotland, Halifax and Lloyds to close 35 more branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, have announced they'll close at least 35 more branches between them over the next 12 months.
Martin Lewis: Are you an E.on customer? Here's an easy way to cut what you pay for energy
E.on Next's 'Pledge' tariff could be an easy way to cut your bills over the next year, according to MoneySavingExpert.com founder Martin Lewis.
Martin Lewis: Urgent warning for savers as base rate held at 5.25%
You should open a fixed savings rate NOW in case rates are cut, MoneySavingExpert.com founder Martin Lewis has warned.
Second cost of living payment to be paid from 31 October – here's who qualifies and how much you'll get
Over eight million households on certain benefits and tax credits will receive their second cost of living payment from 31 October.
E.on Next's Pledge tariff costs £50 less than the Energy Price Cap – should you switch?
E.on Next has launched an energy deal for existing customers that costs around £50 a year (around 3%) less than the Price Cap for typical users, making it one of the cheapest deals available.
Workers aged 18+ could benefit from a hidden pay rise in future as new pension auto-enrolment rules get the go-ahead
Workers aged 18 and above may benefit from a 'hidden' pay rise in future as the Government now has the power to lower the age limit to be automatically enrolled into workplace pensions from 22 to 18.
Find HIDDEN supermarket discounts in the ‘world foods’ section – up to 80% off herbs, spices, tinned goods & more
You know the old saying, 'it's not what you know, it's who you know' – well, the same can be applied to navigating the aisles of your local supermarket – in this instance, 'its not what you shop, but where you shop'. We’ve uncovered baby aisle bargains and how you can save by crouching down . Now we’re unearthing secrets in the ‘world foods’ aisle…

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